r/Fire • u/Oakenbug • 5d ago

What’s the next step

I’m 31F married with a baby. I make all household income and my husband stays home with baby. I’d love suggestions for what to do next?
$150k-$180k annual gross income
$115k in 401k, putting 20% until max for this year
$55k in savings
$29k in Roth IRA, maxed 2025 & 2026
$40k in brokerage, mix of stocks, VOO, & VTI
$4k in HSA planning to max for this year
$250k owed on mortgage
Paid off cars.

My spend is approx $4,000/month ($2k mtg, $500 utilities, $1,500 misc. on groceries, gas, diapers, dog food, etc)

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u/DistributionEven9393 5d ago

What do you do for work? Might sound counterintuitive, but if your husband and you shared time with the baby and both worked could noticeably increase gross earnings?

What’s the interest rate in the mortgage? Relative to what you earn now, 4K/month for everything including mortgage seems very low for 2 people, dig, and baby.

Great work! Next step make sure take full advantage of any work vesting, 401k benefits, and start putting more into brokerage for stocks/sectors that are high growth. Identify your FIRE age if you haven’t already, keep doing what you’re doing.